Send Money to Kenya Securely

Information verified correct on January 23rd, 2017

Are you looking for a secure and affordable way to send moneyKenya to Kenya from the United States? Here’s how to go about it.

According to the 2010 census, there are more than 90,000 Kenyan-born people living in the United States. Like the President, many live in the Washington D.C. area, but there are also seizable expat communities in Texas, California and New York, among others.

If you need to send money to Kenya from the United States, there are several ways you can go about it. It pays to compare your options before sending your funds to ensure that you get value for money from a trusted international transfer provider.

Rates last updated January 23rd, 2017

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Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received
Payoneer International Money Transfers
Send Mass Payments To Your ... Send Mass Payments To Your Payees Worldwide
USD 20
OnlinePhone
Rates are always
changing, click to check
your price today
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WorldRemit International Money Transfers
An online money transfer service ... An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.
USD 1 Within an hour
OnlineCash Transfer
Rates are always
changing, click to check
your price today
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World First Foreign Exchange
Exclusive offer: $0 transfer fee ... Exclusive offer: $0 transfer fee
Transfer money into a range of currencies online and over the phone.
USD 500 2 days
OnlinePhone
Rates are always
changing, click to check
your price today
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Transferwise International Money Transfers
Make online transfers in a ... Make online transfers in a range of currencies and enjoy high maximum transfer amounts.
USD 1 1 day
Online
Rates are always
changing, click to check
your price today
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HiFX International Money Transfers
Transfer money between 20 currencies ... Transfer money between 20 currencies and enjoy scheduled regular transfers. No fee for transfers over US $5,000.
USD 100 2 days
OnlinePhoneAgent
Rates are always
changing, click to check
your price today
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Currencies Direct International Money Transfers
$0 online transfer fee that ... $0 online transfer fee that you can access 24/7.
USD 100 2 days
OnlinePhone
Rates are always
changing, click to check
your price today
Go to site More
OFX International Money Transfers
Exclusive offer: Special exchange rates ... Exclusive offer: Special exchange rates and $0 transfer fee
OFX is currently offering finder.com exclusive exchange rates and $0 transfer fee on all transfers.
USD 150 1 day
OnlinePhoneAgentInternational Money Order...
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changing, click to check
your price today
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TorFX International Money Transfers
TorFX guarantee to beat any ... TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply
USD 150 1 day
OnlinePhoneAgent
Rates are always
changing, click to check
your price today
Go to site More

Banks versus money transfer companies

While you might think the best way to send money to Kenya is via your bank, many banks charge high fees and offer low exchange rates for international money transfers. Sending money overseas through your bank often costs more than it has to, which is why you should compare the services of a specialist money transfer company.

These companies offer better exchange rates than the banks, and you can quickly and easily compare the rates and fees they offer online to see how much money you can save. Some providers offer electronic transfers to bank accounts only, while others also offer cash pickup, mobile wallet payments and cash delivery services.

If you need to send money to Kenya, check out the exchange rate and fees offered by trusted providers like WorldRemit and Western Union to see how they compare to your bank.

Case Study: John Sends Money to Kenya

John has travelled to the United States to work for a few years and save as much money as possible for his family. He wants to send $5,000 to his relatives but he doesn’t want to lose money in the form of fees or a poor exchange rate. He decides to compare the services of two money transfer companies to see if he can find a good deal.

Money transfer company 1Money transfer company 2
Exchange rate1 USD = 100.43 KES1 USD = 100.64
Transfer fee$5$16
Transfer methodBank account depositBank account deposit
Processing time1 business day10 minutes
Amount received (in KES)502,150 KES503,200 KES

As you can see, John has to pay an extra $11 in fees to use the second company and get his transfer to Kenya within minutes, but it also means his family will receive an extra 1,050 Kenyan Shillings.

How to compare transfer companies when transferring money to Kenya

  • Exchange rates. Even a small difference in rates can make a difference in the amount of Kenyan Shillings your recipient gets. Look for the best exchange rates but remember that they may come with high fees attached.
  • Fees. Fees can vary greatly from amounts of less than $5 up to $80 or more. Some providers will offer fee-free transfers when you send more than a certain amount.
  • Transfer methods. Common methods for placing transfers include online, via a mobile app, over the phone or by visiting an agent location.
  • Transfer options. Some providers offer useful features, such as the ability to schedule recurring payments or place forward contracts.
  • Turnaround time. From 10 minutes to several business days, processing times can vary dramatically different, which can be a crucial factor if you need to send an urgent transfer.
  • Minimum amount. Some companies require you to transfer more than a minimum limit, so check what this amount is if you only want to send small sums.
  • Pickup methods. Can your recipient pick up the funds from an agent location or will it be deposited directly into their bank account.
  • Customer service. Will phone and email customer support be available if you need help? What about live online chat?
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How to send money to Kenya from America

  • Bank transfers. Many banks allow you to send an international wire transfer to Kenya.
  • Online money transfer providers. Specialist money transfer companies offer online transfers to your recipient’s Kenyan bank account.
  • Money transfer companies with cash pickup options. Companies like Western Union and MoneyGram allow your recipient to pick up the cash you send from agent locations across Kenya.
  • Checks. Sending an international check is a slow but secure way to send funds overseas.
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Emergency cash transfers in Kenya

If you ever need to send an emergency cash transfer to Kenya, be prepared to face higher fees and lower exchange rates in return for getting your funds sent urgently. Even though you may be in a hurry, it’s always a good idea to double check the exchange rate and fee that apply to your transaction – the last thing you want is to be unaware of just how much you’ve spent to send your funds overseas.

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Tips for picking up cash in Kenya

Whether picking up funds in Kenya or anywhere else around the world, make sure to take a few simple safety precautions to prevent yourself becoming a target for thieves.

  • Take a friend along as a deterrent
  • Avoid travelling through any unsafe areas
  • Don’t flash your cash around
  • Be aware of your personal security and the whereabouts of your belongings at all times
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How to send money to Kenya

Most providers will require you to sign up for an account before you can send funds. While the exact process for doing so may vary depending on the provider, you’ll usually have to provide:

  • Your name and address
  • Your phone number and email address
  • Proof of ID
  • Bank account details (in some cases)

Once you’ve lodged a transaction, you’ll receive a tracking number to monitor the progress of your funds.

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US International Money Transfers Offers

Learn about our information service
WorldRemit International Money Transfers

An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.

OFX International Money Transfers

Exclusive offer: Special exchange rates and $0 transfer fee
OFX is currently offering finder.com exclusive exchange rates and $0 transfer fee on all transfers.

World First Foreign Exchange

Exclusive offer: $0 transfer fee
Transfer money into a range of currencies online and over the phone.

Transferwise International Money Transfers

Make online transfers in a range of currencies and enjoy high maximum transfer amounts.

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